Liability claims if youre held responsible for an accident causing damage to another persons vehicle or injury to other people.

Can a person not on my insurance drive my car. If its an occasional use say I borrow your car to go pick up milk and as long as permission has been verbally granted youll typically be covered But borrowing a car. Think of it this way. The main driver is the person who is legally responsible for the car and who signs the contract usually called the rental agreement.

Unless the person is a car thief it is hard to show that the person did not have permission to drive the vehicle. As long as you give permission to somebody to drive your vehicle they will be allowed to drive your vehicle even if they are not listed on your insurance policy. Your car insurance policy outlines who has permission to drive your car and who doesnt and some policies may even explicitly state that no one besides you is covered when driving your car.

By law a car must have insurance if it will be driving on public roads. If you dont take the time to research how your insurance works borrowing a friends car can result in disaster. A standard auto insurance policy follows the car not.

Often an occasional driver is a spouse or a child but it can also be a sibling or roommate. If an occasional driver isnt listed on your policy and they get into a collision an accident claim could be denied because you didnt disclose all the drivers who frequently drive the car. Having to pay to repair your car or other vehicle if its damaged or in an accident.

The car insurance typically follows the car not the driver. Your auto insurance covers your car not the person driving it. Every insurer has their own rules but in general if someone borrows your car once or twice a week you should add them to your policy but if they borrow your car once every month or two you probably will not.

So Can Someone Drive My Car If They Are Not on My Insurance. If the car is insured but not in my name or rather your name its important that you verify that you have coverage in the form of an automatic coverage extension. So if you lend your car to your best friend your sister or even your second cousin your insurance is most often the insurance that will pay in the event of an accident.